Quick, simple and ready straight away

Access people’s credit scores much faster and easier than collecting data in-house or relying only on credit bureaus.

An ultra-powerfuluniversal algorithm

The generic FriendlyScore credit scoring model analyses people’s data wherever they are in the world, so it’s much more powerful than single-country scoring models where exchanging data across borders isn’t allowed.

It’s quicker and cheaper than having your own team of data scientists collecting data, it can analyse people who aren’t listed by the credit bureaus, plus it works from day one, without waiting for people to build their score first.

And the more data we collect, the more our algorithm learns and improves the way it interprets data in future – you don’t have to do a thing.

Simple to set up

FriendlyScore is cloud-based, so it’s easy to invite people to check their score through a desktop widget with your logo on or through magic links on their mobile phone.

Desktop widgets

Work by directing potential borrowers to a special URL via email or a Score Button on your website, where they can score themselves. All it takes is a couple of hours of IT work, and you could be targeting people you’ve not been able to score before. You can then contact those you’d like to offer credit to after their score has been calculated.

Magic links

Allow you to gain new insights into the behaviour of the mobile generation without any integration with your existing systems. They give everyone an equal chance of getting credit regardless of their location or credit history. You send a simple text message to an existing or potential borrower asking them to download the FriendlyScore App and share their data in one quick and seamless process. Once they get their credit score, you can decide whether to contact them. No IT teams, no problem - magic links require no IT work and are ready to go instantly.

MAGIC LINKS FOR

Magic links allow you to get new customers and learn more about existing customers than their current file shows. It’s a great way to enhance the data you already have or to generate a credit report on those with no history.

Magic links allow you to learn new data on potential borrowers to help you make better credit scoring decisions in a fast and easy way, with zero integration to your existing bank systems.

Fully branded white label option

If you’re required by law to have your own credit scoring software and keep control of customer data in-house, we can install your own fully version of FriendlyScore that integrates into your system but still uses our universal data collection model to make it easier for you to score potential borrowers.

One single API globally

Unlike credit bureaus who have to implement a separate API in each country they operate in, FriendlyScore allows you to access people’s data via one API available worldwide. So you can avoid the time, expense and hassle if you have global branches.

Borrowers send their data, you retrieve the results and then match up the results with feedback data about the loans or products you want to offer them – it’s that simple.